And you, you are alone in front of these professionals, even if you have a good file . French legislation – which you can consult by following this link # 8211; does not allow’get credit in the form of installment’money over 200 € in less than 7 days. CHECK YOUR REPAYMENT CAPACITY BEFORE YOU COMMIT. The mortgage broker handles several files and addresses himself directly to the real estate division or to the head office of your bank, and these have a greater delegation than an agency advisor. Several options are available to you: An ideal solution for building up remunerated precautionary savings, free of charge and exempt from tax.
The broker therefore has more leverage to negotiate thanks to the volume of files he transmits to the bank. You need less than 200 €: Take out life insurance whose capital is intended for your children or grandchildren. If he gets 0.3% less on a rate compared to what you got directly from your agency, that’s several thousand euros in savings for you (a loan of 150 K € over 20 years at 2.20% is € 773.11 per month excluding insurance and € 35,547.49 total cost in interest, with a rate of 1.90%, the HA maturities go to € 751.74 for a total interest of € 30,417.97, or € 5,129.52 d ‘economy). It is possible to’get 200 € in 24 hours from’an organization like Cashper. Prepare for your retirement and build up tailor-made savings with tax incentives. The same goes for credit insurance: the broker can provide you with a loan insurance solution with companies independent of the banks, or negotiate the best conditions for you with group insurance from the banks.
To obtain this type of credit, the online credit application must be validated sufficiently early in the day. A housing contract with flexible guarantees that adapt to your situation and your home. The total cost and the conditions of loan insurance are always to be studied closely because this cost in a mortgage is far from negligible (in our previous example of a loan of 150 K € over 20 years, insurance death / disability loan calculated on the borrowed capital, at a rate of 0.36%, no credit check loan will represent a total cost of € 10,800). D’on the other hand you should know that this type of credit is very expensive, it’is arguably the most expensive on the market. Choose an Individual or Family plan to protect yourself from everyday accidents.
The elimination of prepayment penalties: A point that can be important in the event that you know that you will not reach the end of your credit due to a resale in a few years, it may be worth having this clause removed of the contract which provides for penalties (In general 3% of the outstanding capital within the maximum limit of 6 months of interest) in the case of the repayment of a loan in advance, that is to say before its end. You need more than 200 €: Control your health budget with complementary health insurance adapted to your needs and your budget. This point must therefore be negotiated before the contract is signed. For any credit greater than € 200, it will not be possible to’get credit immediately. * 50% reduction applied to the basic monthly package of the BREDAcces Jeunes bundle of services, during the first 12 months. How much does it cost ? It will take between 7 to 10 days as soon as possible with most credit organizations. Welcome offer valid from June 24 to November 30, 2021 and applicable on the rates in force, i.e., after reduction, € 1.75 / month with a Visa Classic card or € 3.75 / month with a Visa Premier card.
Our negotiating resources will allow you to save a lot of money, so it is normal to pay the broker for his work. But there are conditions to be met to obtain the’money as quickly as possible. Subject to acceptance of your file by the bank. This is why we ask for administrative fees of 850 € (up to 200 K € borrowed) or 1500 € (over 200 K €) due only when the financing is obtained via the broker, and after release. of the loan. If l’we need more’money, it will be necessary to go through a classic consumer credit. (1) Overdraft authorization, not to exceed thirty consecutive days, included in the package of BREDAcces Jeunes services.
Manual ? Urgent credit FAQ. Subject to acceptance of your file by the bank. Plan to bring or send all the documents necessary for the constitution of a file: identity documents, family record book, 2 last tax notices, last 3 payslips plus the one for December of the past year, employment contract, certificates of ownership, last 3 months of account statements, proof of savings (PEL, PEA, life insurance, PEE, passbooks, etc.), etc.